I don't know what this means for the Zurich AVC but if it is the "normal retirement age" for the main scheme then this will generally be 65 for post-2004 public servant entrants. If so, it wouldn't apply in this scenario:
But maybe it has a different AVC-specific meaning?
I'm just not up to speed on the fine print of this particular Zurich Life product so I'm afraid I can't shed any more light. I would generally advise the person to go back to the broker selling it to get this confirmed.
But honestly I have a bad feeling about this. It pays a lot of commission and you won't find out for certain if you qualify for the all-important rebate for 25 years. Debatable as to whether or not the broker will even be around then.
I think I'd insist on getting clarification on the exact T&Cs of the rebate in writing from Zurich Life and save them somewhere carefully.